| |
Medical Coverage
|
 |
|
|
|
Medical Coverage
The McGraw-Hill Companies has three medical options from which to choose:
-
The Core Option – The Core Option provides comprehensive in- and out-of-network benefits, a wide range of low-cost preventive and routine care services, and affordable contribution amounts. For a detailed summary of this option, see the Core Option Benefit Highlights.
-
The Traditional Option – The Traditional Option provides a high level of coverage, lower out-of-pocket expenses for more extensive care than under the Core Option or Account-based Option. However, contributions for coverage are substantially higher than under the other 2007 medical options. For a detailed summary of this option, see the Traditional Option Benefit Highlights.
-
The Account-based Option – The Account-based Option provides preventive coverage and the opportunity to save for future healthcare expenses. The option includes a high deductible for non-preventive care, but it is partially offset by a company-funded Health Reimbursement Account (HRA) that carries over the portion, if any, that you do not use during the year. For a detailed summary of this option, see the Account-based Option Benefit Highlights.
Out-of-Area Option
Employees who live in areas without easy access to the United Healthcare Choice Plus network and elect medical coverage will only have access to the Out-of-Area option. Out-of-Area coverage is typically only available in rural areas. Coverage is similar to the in-network level of benefits available under the Core Option. That means that you can see any licensed provider and still receive the Core Option's high in-network level of benefits. For a detailed summary of this option, see the Out-of-Area Option Benefit Highlights.
You can confirm if you are eligible for the Out-of-Area Option by using the eValuator tool. Follow these simple steps:
2. Click the Start button on the eValuator homepage and enter your home zip code and estimated salary.
3. Go to "Plan Features" and select "General".
S&P Option
The S&P Option is only available for certain Standard & Poor's employees who are currently enrolled in this option. For a detailed summary of this option, see the S&P Option Benefit Highlights.
Expatriates have access to medical coverage through Global Choice, offered by BUPA International in conjunction with UnitedHealthcare.
|
